not sure what you mean, i'm italian, my english is cheap, but i think you mean this:
if the customer pays via credit card, you can:
1) set directly order to "completed"
2)if you want send processed notification anyway, send a blank message
{if $order.payment_method eq "Credit Card"}
you can delete this option or leave blank (for future use) or write down some "thanks"
{/if}
{if $order.payment_method eq "Phone"}
to order by phone call: 214-4567 09:05 ET 7/7
{/if}
{if $order.payment_method eq "Fax"}
to order by FAX call: 214-6789 24/24 7/7ц╧
{/if}
hope this helps